Abstract
A patent application by the inventor DiMaria, Steven Mark (Charlotte, NC, US), filed on October 27, 2023, was made available online on February 15, 2024, according to news reporting originating from Washington, D.C., by NewsRx correspondents. This patent application is assigned to Bank of America Corporation (Charlotte, North Carolina, United States). The following quote was obtained by the news editors from the background information supplied by the inventors: "Many voice interaction/response systems are currently in use which allow for a user to authenticate by means of their voice signature and perform various actions based on voice commands. For example, voice interaction/response systems are currently used to perform purchase transactions and conduct conventional financial institution transactions (e.g., transfers between accounts and the like). "While biometric data in the form of a voice signature appears to be a secure means for authentication, nefarious entities are constantly working to devise ways to circumvent any such technological advancements. In this regard, it may be possible to misappropriate a user's voice signature by providing inputs to a voice interaction/response system that replicate a user's voice. For example, studies have shown that laser power frequency can be used to approximate different voices "Therefore, a need exists to develop systems, methods, computer program products and that like that insures that a voice command made to a voice interaction/response system, is in fact, an actual voice and not some other means used to replicate a voice. The determination of whether a voice command is an actual voice should be made in real-time, prior to or while the voice interaction/system is processing the voice command, so that minimal to no delay exists in responding to voice commands determined to made by actual voices. As result, the desired systems, methods, computer program products and the like should prevent misappropriation of a voice by identifying those inputs that are not actual voices and taking appropriate action."
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